| Sr. No. | Particulars |
| Chapter I: Perspectives |
| Chapter II: Global Banking Developments |
| 1. | Introduction |
| 2. | Global Banking Policy Developments |
| 3. | Performance of the Global Banking Sector |
| 4. | World’s Largest Banks |
| 5. | Summing up |
| Chapter III: Policy Environment |
| 1. | Introduction |
| 2. | Monetary Policy and Liquidity Management |
| 3. | Regulatory Policies |
| 4. | Supervisory Policies |
| 5. | New Institutional Developments |
| 6. | Financial Markets |
| 7. | Foreign Exchange Policies |
| 8. | Credit Delivery and Financial Inclusion |
| 9. | Consumer Protection |
| 10. | Payments and Settlement Systems |
| 11. | Overall Assessment |
| Chapter IV: Operations and Performance of Commercial Banks |
| 1. | Introduction |
| 2. | Balance Sheet Analysis |
| 3. | Financial Performance |
| 4. | Soundness Indicators |
| 5. | Sectoral Bank Credit: Distribution and NPAs |
| 6. | Performance of Banking Stocks |
| 7. | Ownership Pattern in Commercial Banks |
| 8. | Corporate Governance |
| 9. | Foreign Banks’ Operations in India and Overseas Operations of Indian Banks |
| 10. | Payment Systems and Scheduled Commercial Banks |
| 11. | Consumer Protection |
| 12. | Financial Inclusion |
| 13. | Regional Rural Banks |
| 14. | Local Area Banks |
| 15. | Small Finance Banks |
| 16. | Payments Banks |
| 17. | Overall Assessment |
| Chapter V: Developments in Co-operative Banking |
| 1. | Introduction |
| 2. | Structure of the Co-operative Banking Sector |
| 3. | Urban Co-operative Banks |
| 4. | Rural Co-operatives |
| 5. | Overall Assessment |
| Chapter VI: Non-Banking Financial Institutions |
| 1. | Introduction |
| 2. | Non-Banking Financial Companies |
| 3. | All India Financial Institutions |
| 4. | Primary Dealers |
| 5. | Overall Assessment |
| List of Boxes |
| II.1 | Climate Change and Financial Stability: Assessment and Way Forward |
| III.1 | Report of the Committee to Review the Working of Asset Reconstruction Companies |
| III.2 | Business Correspondent Survey |
| III.3 | Reserve Bank - Integrated Ombudsman Scheme, 2021 |
| IV.1 | Slowdown in Credit Growth: Supply or Demand Driven? |
| IV.2 | Determinants of Priority Sector Lending |
| IV.3 | Impact of COVID-19 Lockdown on Banking Stock Performance |
| IV.4 | Financial Inclusion Index |
| IV.5 | Impact of Amalgamation of Regional Rural Banks |
| V.1 | Report of the Expert Committee on Primary (Urban) Co-operative Banks |
| V.2 | Impact of COVID-19 on Rural Co-operative Banks |
| VI.1 | Impact of COVID-19 on NBFCs-MFI |
| List of Tables |
| III.1a | Special Refinance Facility for AIFIs |
| III.1b | Institution-wise Loan Availment by AIFIs |
| III.2 | Resolution Framework for COVID-19 Stressed Borrowers |
| III.3 | Risk Weights for New Housing Loans |
| III.4 | Progress in Usage of CKYCR |
| III.5 | Risk Thresholds for PCA Framework for NBFCs |
| III.6 | Restructuring of MSME Advances |
| IV.1 | Consolidated Balance Sheet of Scheduled Commercial Banks |
| IV.2 | Bank Group-wise Maturity Profile of Select Liabilities/Assets |
| IV.3 | Trends in Income and Expenditure of Scheduled Commercial Banks |
| IV.4 | Cost of Funds and Return on Funds |
| IV.5 | Component-wise Capital Adequacy of SCBs |
| IV.6 | Public and Rights Issues by the Banking Sector |
| IV.7 | Resources Raised by Banks through Private Placements |
| IV.8 | Movement in Non-Performing Assets |
| IV.9 | Classification of Loan Assets by Bank Group |
| IV.10 | NPAs of SCBs Recovered through Various Channels |
| IV.11 | Details of Financial Assets Securitised by ARCs |
| IV.12 | Frauds in Various Banking Operations Based on the Date of Reporting |
| IV.13 | Frauds in Various Banking Operations Based on the Date of Occurrence |
| IV.14 | Enforcement Actions |
| IV.15 | Sectoral Deployment of Gross Bank Credit |
| IV.16 | Priority Sector Lending by Banks |
| IV.17 | Weighted Average Premium on Various Categories of PSLCs |
| IV.18 | Sector-wise GNPAs of Banks |
| IV.19 | Operations of Foreign Banks in India |
| IV.20 | Payment Systems Indicators |
| IV.21 | Number of ATMs |
| IV.22 | Geographical Distribution of ATMs – Bank-Group wise |
| IV.23 | Nature of Complaints at BOs |
| IV.24 | Bank Group-wise Insured Deposits |
| IV.25 | Progress in Financial Inclusion Plan |
| IV.26 | Tier-wise Break-up of Newly Opened Bank Branches by SCBs |
| IV.27 | Credit Flow to the MSME Sector by SCBs |
| IV.28 | Progress in MSME Financing through TReDS |
| IV.29 | Consolidated Balance Sheet of Regional Rural Banks |
| IV.30 | Purpose-wise Outstanding Advances by RRBs |
| IV.31 | Financial Performance of Regional Rural Banks |
| IV.32 | Profile of Local Area Banks |
| IV.33 | Financial Performance of Local Area Banks |
| IV.34 | Consolidated Balance Sheet of Small Finance Banks |
| IV.35 | Purpose-wise Outstanding Advances by Small Finance Banks |
| IV.36 | Financial Performance of Small Finance Banks |
| IV.37 | Consolidated Balance Sheet of Payments Banks |
| IV.38 | Financial Performance of Payments Banks |
| IV.39 | Select Financial Ratios of Payments Banks |
| IV.40 | Remittances through Payments Banks |
| V.1 | Tier-wise Distribution of Urban Co-operative Banks |
| V.2 | Balance Sheet of Urban Co-operative Banks |
| V.3 | Distribution of UCBs by size of Deposits and Advances |
| V.4 | Investments by Urban Co-operative Banks |
| V.5 | Rating-wise Distribution of UCBs |
| V.6 | CRAR-wise Distribution of UCBs |
| V.7 | Component-wise Capital Adequacy of UCBs |
| V.8 | Non-performing Assets of UCBs |
| V.9 | Financial Performance of Scheduled and Non-scheduled Urban Co-operative Banks |
| V.10 | Select Profitability Indicators of UCBs |
| V.11 | Composition of Credit to Priority Sectors by UCBs |
| V.12 | A Profile of Rural Co-operatives |
| V.13 | Liabilities and Assets of State Co-operative Banks |
| V.14 | Select Balance Sheet Indicators of Scheduled State Co-operative Banks |
| V.15 | Financial Performance of State Co-operative Banks |
| V.16 | Soundness Indicators of State Co-operative Banks |
| V.17 | Liabilities and Assets of District Central Co-operative Banks |
| V.18 | Financial Performance of District Central Co-operative Banks |
| V.19 | Soundness Indicators of District Central Co-operative Banks |
| VI.1 | Classification of NBFCs by Activity |
| VI.2 | Ownership Pattern of NBFCs |
| VI.3 | Abridged Balance Sheet of NBFCs |
| VI.4 | Major Components of Liabilities and Assets of NBFCs-ND-SI by Classification |
| VI.5 | Sectoral Credit Deployment by NBFCs |
| VI.6 | Sources of Borrowings of NBFCs |
| VI.7 | Financial Parameters of the NBFC Sector |
| VI.8 | Expenses of NBFCs |
| VI.9 | Ownership Pattern of HFCs |
| VI.10 | Consolidated Balance Sheet of HFCs |
| VI.11 | Financial Ratios of HFCs |
| VI.12 | Financial Assistance Sanctioned and Disbursed by AIFIs |
| VI.13 | AIFIs’ Balance Sheet |
| VI.14 | Resources Mobilised by AIFIs in 2020-21 |
| VI.15 | Resources Raised by AIFIs from the Money Market |
| VI.16 | Pattern of AIFIs’ Sources and Deployment of Funds |
| VI.17 | Financial Performance of AIFIs |
| VI.18 | AIFIs’ Select Financial Parameters |
| VI.19 | Performance of PDs in the Primary Market |
| VI.20 | Performance of SPDs in the G-secs Secondary Market |
| VI.21 | Sources and Applications of SPDs’ Funds |
| VI.22 | Financial Performance of SPDs |
| VI.23 | SPDs’ Financial Indicators |
| List of Charts |
| II.1 | Macroeconomic Background |
| II.2 | Monetary Policy Rates |
| II.3 | Bank Credit to the Private Non-Financial Sector |
| II.4 | Asset Quality |
| II.5 | Return on Assets |
| II.6 | Capital Adequacy Ratios |
| II.7 | Leverage Ratio |
| II.8 | Market-based Indicators of Bank Health |
| II.9 | G-SIB Score of top 15 banks: 2020 versus 2014 |
| II.10 | Distribution of Top 100 Banks by Tier-I Capital |
| II.11 | Asset Quality and Capital Adequacy of the Top 100 banks |
| II.12 | Soundness of Top 100 Banks |
| III.1 | Gold Loans vis-à-vis Personal Loans |
| III.2 | Impact of CRR Cut |
| III.3 | SLR in HTM as per cent of NDTL |
| IV.1 | Select Aggregates of SCBs |
| IV.2 | Credit and Deposits: Households and Private Non-Financial Corporations |
| IV.3 | Term Deposits of SCBs |
| IV.4 | Growth in CASA Deposits |
| IV.5 | Growth in Borrowings |
| IV.6 | Growth in Advances |
| IV.7 | Change in Credit Composition |
| IV.8 | Credit-GDP Ratio |
| IV.9 | Credit -Deposit and Investment-Deposit Ratios |
| IV.10 | Investment Portfolio |
| IV.11 | Gap between Proportion of Assets and Liabilities in Various Maturity Buckets |
| IV.12 | International Liabilities and Assets of Indian Banks |
| IV.13 | Off-Balance Sheet Liabilities of Banks |
| IV.14 | Profitability Ratios |
| IV.15 | Lending Rate, Deposit Rate and NIM |
| IV.16 | Impact of Provisioning on Profitability |
| IV.17 | Distance from Regulatory Minimum |
| IV.18 | Leverage and Liquidity |
| IV.19 | Asset Quality of Banks |
| IV.20 | Reduction in GNPAs |
| IV.21 | Stress in Large Borrowal Accounts |
| IV.22 | Stressed Asset Sales to ARCs |
| IV.23 | Bank-Group wise Frauds |
| IV.24 | Sectoral Growth and GNPA Ratios |
| IV.25 | Restructured Standard Advances |
| IV.26 | Credit to Priority Sectors – All SCBs |
| IV.27 | Trading Volume of PSLCs |
| IV.28 | Exposure to Sensitive Sectors |
| IV.29 | Relative Performance of Bank Indices and NIFTY-50 Index |
| IV.30 | Government’s Shareholding in PSBs |
| IV.31 | Share of Independent Directors in PVBs |
| IV.32 | CEO Pay vis-a-vis Average Employee Pay |
| IV.33 | Components of CEO Remuneration |
| IV.34 | Components of Payment Systems |
| IV.35 | RBI – Digital Payments Index |
| IV.36 | Population Group-wise Distribution of Complaints and Major Complaint Types |
| IV.37 | Progress in Financial Inclusion in Select Emerging and Advanced Economies |
| IV.38 | Gender-wise Share in Credit and Deposits |
| IV.39 | PMJDY Accounts: Distribution and Average Balance |
| IV.40 | Bank and Population Group-wise Newly Opened Bank Branches by SCBs |
| IV.41 | SHGs – Average Loan Outstanding and Average Savings |
| IV.42 | Regional Penetration of Banks |
| V.1 | Structure of Co-operative Banks |
| V.2 | Distribution of Co-operative Banks by Asset Size |
| V.3 | Number of UCBs |
| V.4 | Consolidation Drive in UCBs |
| V.5 | Balance Sheet Indicators : SCBs versus UCBs |
| V.6 | Asset Growth |
| V.7 | Deposits and Advances: SCBs versus UCBs |
| V.8 | Credit-Deposit Ratio: UCBs versus SCBs |
| V.9 | Distribution of UCBs by Asset Size |
| V.10 | Distribution of UCBs by Deposits and Advances |
| V.11 | Investments by UCBs |
| V.12 | Distribution of Number and Banking Business of UCBs-by Rating Categories |
| V.13 | Share of UCBs with CRAR less than 9 per cent |
| V.14 | NPA Ratio: UCBs versus SCBs |
| V.15 | Large Borrowal Accounts – Lending versus NPAs |
| V.16 | Stress in Large Borrowal Accounts |
| V.17 | Profitability Indicators- SUCBs versus NSUCBs |
| V.18 | Priority Sector Lending |
| V.19 | Long-term versus Short-term Rural Co-operatives |
| V.20 | Comparison of Short-term Rural Co-operatives |
| V.21 | State Co-operative Banks’ Profits |
| V.22 | Credit-Deposit Ratio |
| V.23 | Share of Operating Expenses in Total Expenses |
| V.24 | DCCBs’ Profits |
| V.25 | NPA ratio : StCBs versus DCCBs |
| VI.1 | Structure of NBFIs under the Reserve Bank’s Regulation |
| VI.2 | NBFCs' Credit vis-à-vis SCBs' Credit and GDP |
| VI.3 | Registrations and Cancellations of Certificate of Registrations of NBFCs |
| VI.4 | Distribution of NBFCs' Credit |
| VI.5 | Classification-wise NBFCs: Select Indicators |
| VI.6 | Distribution of NBFC Credit |
| VI.7 | Classification-wise Sectoral Distribution of Credit |
| VI.8 | NBFC Credit to Industry vis-a-vis Macro Indicators |
| VI.9 | MSME Credit by NBFCs |
| VI.10 | Incremental Credit to Commercial Real Estate: NBFCs and SCBs |
| VI.11 | Distribution of Retail Loans of NBFCs |
| VI.12 | Vehicle Loans: NBFCs and SCBs |
| VI.13 | Incremental Vehicle Loans: NBFCs and SCBs |
| VI.14 | Distribution of Advances against Gold: NBFCs and SCBs |
| VI.15 | Micro-credit Loan Outstanding across Lenders |
| VI.16 | Disbursement Trend in the Microfinance Segment |
| VI.17 | NBFCs-MFI: Outstanding Loans and Number of Active Accounts |
| VI.18 | NBFCs’ Borrowings: Repayment in Time Buckets |
| VI.19 | NCD Private Placements of NBFCs |
| VI.20 | Yield of NBFC Bonds : Spread over G-Sec of Corresponding Maturity |
| VI.21 | Box Plot of NCD Coupon Rates of NBFCs- Rating-wise |
| VI.22 | Bank Lending to NBFCs: Group-wise |
| VI.23 | Instruments of Banks’ Lending to NBFCs |
| VI.24 | CP Issuances and Rates |
| VI.25 | Public Deposits with NBFCs- D |
| VI.26 | Distribution of Deposits with NBFCs-D |
| VI.27 | Loan Sales and Securitisation of NBFCs-ND-SI |
| VI.28 | Structural Liquidity Statement of NBFCs |
| VI.29 | Profitability Ratios of NBFCs |
| VI.30 | Profitability Indicators of NBFCs-ND-SI |
| VI.31 | Asset Quality of NBFCs |
| VI.32 | Provision Coverage Ratio of NBFCs |
| VI.33 | Classification of NBFCs' Assets |
| VI.34 | Performing Loans Overdue |
| VI.35 | NPAs of NBFCs-ND-SI |
| VI.36 | Sectoral Distribution of NPAs of NBFCs |
| VI.37 | Stressed Assets of NBFCs-ND-SI by Sector |
| VI.38 | Gross and Net NPA Ratios of NBFCs- D |
| VI.39 | Stress in Large Borrowal Accounts |
| VI.40 | Capital Position of NBFC Sector |
| VI.41 | CRAR of NBFCs by Category |
| VI.42 | Exposure to Sensitive Sectors |
| VI.43 | Credit to Housing sector by HFCs and SCBs |
| VI.44 | Resources Mobilised by HFCs |
| VI.45 | Public Deposits with HFCs |
| VI.46 | Distribution of HFCs’ Public Deposits |
| VI.47 | Financial Parameters of HFCs |
| VI.48 | HFCs: GNPA and NNPA Ratios |
| VI.49 | Weighted Average Cost and Maturity of Rupee Resources Raised by AIFIs |
| VI.50 | Long-term PLR Structure of Select AIFIs |
| VI.51 | AIFIs’ Financial Ratios |
| VI.52 | Select Financial Parameters of AIFIs |
| VI.53 | AIFIs’ Net NPAs |
| VI.54 | AIFIs’ Assets Classification |
| VI.55 | Average Rate of Underwriting Commission of PDs |
| VI.56 | Capital and Risk Weighted Asset Position of SPDs |
| List of Appendix Tables |
| IV.1 | Indian Banking Sector at a Glance |
| IV.2 | Off-Balance Sheet Exposure of Scheduled Commercial Banks in India |
| IV.3 | Kisan Credit Card Scheme: State-wise Progress |
| IV.4 | Bank Group-wise Lending to the Sensitive Sectors |
| IV.5 | Shareholding Pattern of Domestic Scheduled Commercial Banks |
| IV.6 | Overseas Operations of Indian Banks |
| IV.7 | Branches and ATMs of Scheduled Commercial Banks |
| IV.8 | Statement of Complaints Received at Banking Ombudsman Office |
| IV.9 | International Liabilities of Banks in India – By Type of Instruments |
| IV.10 | International Assets of Banks in India - By Type of Instruments |
| IV.11 | Consolidated International Claims of Banks: Residual Maturity and Sector |
| IV.12 | Consolidated International Claims of Banks on Countries other than India |
| IV.13 | Progress of Microfinance Programmes |
| IV.14 | Major Financial Indicators of Regional Rural Banks- State-wise |
| IV.15 | RRBs- PSL Target and Achievement-2020-21 |
| IV.16 | Frauds in Various Banking Operations Based on Date of Reporting |
| V.1 | Select Financial Parameters of Scheduled UCBs |
| V.2 | Indicators of Financial Performance: Scheduled UCBs |
| V.3 | Indicators of Financial Health of State Co-operative Banks |
| V.4 | Indicators of Financial Health of District Central Co-operative Banks |
| V.5 | Primary Agricultural Credit Societies |
| V.6 | Select Indicators of Primary Agricultural Credit Societies-State-wise |
| V.7 | Details of Members and Borrowers of Primary Agricultural Credit Societies |
| V.8 | Liabilities and Assets of State Co-operative Agriculture and Rural Development Banks |
| V.9 | Financial Performance of State Co-operative Agriculture and Rural Development Banks |
| V.10 | Asset Quality of State Co-operative Agriculture and Rural Development Banks |
| V.11 | Major Financial Indicators of State Co-operative Agriculture and Rural Development Banks |
| V.12 | Liabilities and Assets of Primary Co-operative Agriculture and Rural Development Banks |
| V.13 | Financial Performance of Primary Co-operative Agriculture and Rural Development Banks |
| V.14 | Asset Quality of Primary Co-operative Agriculture and Rural Development Banks |
| V.15 | Major Financial Indicators of Primary Co-operative Agriculture and Rural Developments Banks – State-wise |
| VI.1 | Consolidated Balance Sheet of NBFCs |
| VI.2 | Consolidated Balance Sheet of NBFCs-ND-SI |
| VI.3 | Consolidated Balance Sheet of NBFCs-D |
| VI.4 | Credit to Various Sectors by NBFCs |
| VI.5 | Financial Performance of NBFCs-ND-SI |
| VI.6 | Financial Performance of NBFCs - Deposit Taking |
| VI.7 | Financial Assistance Sanctioned and Disbursed by Financial Institutions |
| VI.8 | Financial Performance of Primary Dealers |
| VI.9 | Select Financial Indicators of Primary Dealers |